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Board of Governors of the Federal Reserve System
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Consumers and Mobile Financial Services
March 2014


The survey and report were prepared by the Consumer and Community Development Research Section of the Federal Reserve Board's Division of Consumer and Community Affairs (DCCA).

DCCA directs consumer-related functions performed by the Board, including conducting research on financial services policies and practices and their implications for consumer financial stability, community development, and neighborhood stabilization.

DCCA staff members Maximilian D. Schmeiser, Matthew B. Gross, David E. Buchholz, and Alejandra Lopez-Fernandini prepared this report. Federal Reserve System staff members Jason Berkenpas, Alexandra M. Brown, Matthew Chen, Julia Cheney, Douglas Conover, Marianne Crowe, Ellen Merry, Allen Fishbein, Chris Foote, Kevin Foster, Geoffrey R. Gerdes, Linda Healey, Bob Hunt, Chris Olson, Samantha J. Pelosi, Anjana Ravi, Aaron Rosenbaum, Scott Schuh, and Dick Todd provided valuable comments and feedback on the design of the survey and drafting of this report. Comments and feedback were also provided by Federal Deposit Insurance Corporation staff, including Karyen Chu, Keith Ernst, and Yazmin Osaki. Finally, several members of the Mobile Payments Industry Workgroup provided valuable input, including Mehul Desai, Dee O'Malley, and Ginger Schmeltzer.

Mention or display of a trademark, proprietary product, or firm in the report does not constitute an endorsement or criticism by the Federal Reserve System and does not imply approval to the exclusion of other suitable products or firms.

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Last update: Apr 15, 2014